We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.

Need to get myself together: The beginning

13567…401

Comments

  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You're not the only one who's ever been caught out but you're doing great keep it up xx

    I love seeing my totals going down in my signature too xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Woo its payday!!! Updated signature and my spreadsheet haha purplefan :)!!

    I am worried I set up my RBS loan adding it to my payee and paid into it the extra £26.46 this month and hasnt been added yet. Shall I wait a day maybe?

    I cannot pay next until 28 September thats the pay day but everything else has been updated :D

    Thanks Abba :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Update the £26.46 paid into loan has came off. I feel as if I have took a huge step... and its only that haha :)
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Tenth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    Woo well done you!

    I love it when the figures go down, Roll on Wednesday for me!

    Dxxx
  • purplefran
    purplefran Posts: 58 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Well done :T:T:T
    It's such a lovely feeling to pay something off, roll on the next debt reduction repayment x
    Grocery Challenge £2400/Spent £90.73
    £2024 in 2024 - £605.27
    DF 30/11/22
    Retired 31/12/23
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Today my monthly payment of £98.54 into my loan so new update of signature and paid £45.95 off on my Next account woo so 180 still to pay but getting there :)

    how is everyone doing...


    confession time i went a little spend happy over long weekend and treated my boy to Edinburgh yesterday :( couldnt resist x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Set myself a mini target to have m loan down to 4,500 by Christmas :)....

    Heres hoping :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 4,184 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Hi monz, don't beat yourself up over your spendy weekend - we all need a treat and edinburgh is fab :)

    Well done on your payments so far and good luck with your mini target.
    Mortgage 26.4.25 - £108,500  1.5.26 - £103,410.78 (4.7% paid)
    Mortgage overpayments so far - £930.89
    Debt 16.11.25 - £5160  1.5.26 - £4560 (11.6% paid)
    Roof savings - £1484.33/£3660 (40.6% saved)
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I agree you still need to treat yourself if you don't the debt payment journey gets very boring and tedious and you might start to resent it xx

    I booked a holiday to turkey for next year lol oops xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Thanks Miss Tara :)

    Thanks Abba! Nice on Turkey!! I have to be strict now though as 4 weeks tomorrow until next payday boo plus I have a cheeky night out on 11 October haha :) x
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture